I have always been a huge procrastinator. I like to think I work well under pressure. In high school, I would wait until the very last minute to finish up homework and projects or study for tests. I would put all my energy and focus on the task because I knew it was the last chance I had to get it done. Best procrastination strategy ever, right?
This did not work so well in college. I feel like as life has gone on and I have gotten older, I have learned time and again that procrastination is killing my dreams. Sometimes I think about how the last 7-8 years of my “adult” life has been completely wasted when it comes to my financial goals and dreams.
I tell myself that I need to stop thinking like that and focus on what I can do TODAY since we all know the past can’t be changed. The best we can do is learn from our mistakes. How can you keep procrastination from killing your dreams?
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Procrastination as a daily problem.
Every day you have a choice. You can set goals and plan out tasks to be productive…or not. It is so easy to go the “not” path. You have to deliberately choose to be a responsible adult every day. It pays off in the end though. Each time you choose to have a productive day, you will feel better about your day and yourself which in turn will make you want to be more productive the next day. Productivity and organization help you make good life choices such as sticking to a budget, avoiding going out to eat out of convenience, and planning for large expenses.
- Problem: procrastinating on chores and running errands
- Solution: write down daily and weekly goals with related tasks and create a morning routine
Having a morning routine seriously changed my life. Each day I was more productive and motivated to complete tasks. Related: How Your Morning Routine Can Change Your Life Some days I realllllly want to throw my routine out of the window and skip doing the laundry, meal planning, or grocery shopping. I even have conversations with myself in my head weighing the pros and cons and excuses of why I should or should not skip that chore. Related: How I Only Do Laundry Once a Week, How to Grocery Shop on a Budget But you know what happens when I procrastinate these small, mundane tasks? I feel like my whole week is off. I end up having to make up for it on another day and then I get behind in the other things I had planned to get done that week. And I usually end up going over budget in some way or another due to lack of organization. By procrastinating on the day-to-day stuff, I am unable to focus on the bigger priorities. The goals I want to accomplish in order to achieve my dreams keep getting pushed further and further down on the list…
When you procrastinate on the “big” stuff.
Recently I have really been reflecting on what could be different now if five years ago I knew what I know today. Don’t we all think that at some point in life? If I knew how much free time I really had before having kids… If I knew how easy it would be to save money or pay off debt with two full-time incomes… These thoughts are both related to two of my biggest goals right now.
- I want to be completely debt-free except for our house in the next five years (hopefully less).
- I want to be able to make a full-time income from my blog (that is where the free time comes in).
Related: Four Ways to Make Money as a Stay-at-Home Mom I procrastinated SO much on both of these goals in the last few years, but now I know that the only way that these goals will be met is through hard work, dedication, and NOT procrastinating. Currently, I stay home with our two children. I worked for two years while we were married before having kids. If we had just taken my entire income and used it to pay off debt, we would be completely debt free plus have a fully funded emergency fund by now. If I had taken my first blog seriously when I started it back in 2013, then I would be making more than a full-time income while staying home with my kids. Do either of these situations sound familiar to you?
- Problem: thinking you have all the time in the world to start working on your big goals…and then realizing 5 years have gone by and you have made little to no progress
- Solution: get organized in your daily life, figure out what your big goals or life dreams are…and start working on them TODAY
Since I have yet to reach my two big goals, it makes it harder and harder for me to imagine my ultimate dream…to never have to worry about money again.
Don’t let time steal your dreams.
What are your goals, hopes, and dreams? What do you need to do to make them happen? The faster you pay off debt and build up your savings, the faster you can move on to your other financial goals which will allow you to be able to achieve your dreams! Maybe you want to travel the world, go back to school, change careers, buy a larger house, etc. The biggest thing you can do TODAY is to stop procrastinating. Make it a priority to start setting daily goals and completing the tasks needed to reach those goals. Once you are able to be productive on your daily tasks, it will make it easier for you to focus and be productive in reaching your larger scale goals. Don’t let procrastination and disorganization steal your time and ultimately your dreams.
What are your long-term financial or career goals? What is your ultimate dream?
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